If XRP maintained a steady 2% monthly growth from now until July 2040, it would be able to cross the $100 psychological mark. Notably, XRP has rebounded considerably from its recent correction, but its price still hovers around the $3 range. It staged a strong recovery following the latest development in the Ripple vs. SEC case, as both sides filed to withdraw their respective appeals, effectively closing a nearly five-year legal battle. This month, XRP is now posting a meager 1.43% gain, having reclaimed all it lost earlier in the month. Still, currently trading for $3.36, many analysts and investors believe XRP remains undervalued and should be trading much higher. Notably, in contrast, market analyst Alex Cobb has already forecast a potential surge to $22.54 by December 2025, which massively exceeds the $3.64 outcome under the 2% growth scenario. However, the beauty of relentless growth comes from its consistency over a longer period of time. Specifically, by December 2026, XRP’s price would rise to $4.61. A year later, in December 2027, it would climb to $5.86. This would represent a 74% increase in just two years. Meanwhile, by December 2030, the projection places XRP at $12.01, aligning with asset manager Bitwise’s base-case forecast of $12.68 for that year, which assumes an annualized growth rate of 27%. Interestingly, in their more optimistic bull case, Bitwise expects XRP to reach $29.32 by 2030. XRP Price by July 2040 If It Grows 2% Each Month Now, if the steady 2% monthly increase continued from the $12.01 level in December 2030, XRP would break the $100 barrier by 2040. In January 2040, it would trade at $101.67, and by July 2040, it would reach $119.81. This marks a 3,465% gain from its August 2025 price of $3.36. Interestingly, this final price matches forecasts from Telegaon analysts, who put XRP’s minimum price for 2040 at $119.08. Notably, these analysts also expect XRP to hit a maximum price of $160.34 by 2040. XRP Price Predictions | Telegaon Meanwhile, for long-term holders, the 2% growth would lead to remarkable returns. For instance, an investor who committed $10,000 at today’s price of $3.36 would acquire 2,976 XRP tokens. Holding them until July 2040 at the projected $119.81 price would turn that investment into over $356,000. However, it’s worth noting that sustaining a 2% monthly increase for 15 straight years is highly improbable. Historically, XRP’s longest streak of consecutive monthly gains lasted just four months, from March to June 2017. Moreover, XRP also has a reputation for sharp, sporadic price surges, such as those seen in November 2024 and January 2025. This suggests it is unlikely to follow such a smooth growth path over the long term, especially one as meager as 2%.